Over a weekend break-in, tablets and a projector are stolen and the front door is forced open. The reception desk is damaged and locks need urgent replacement, disrupting lessons while you source new equipment and secure the site.

Commercial Property Insurance may respond to loss or damage to insured contents and business property arising from theft or forced entry at your premises.

Overnight a burst pipe floods a classroom and storage area, damaging floor coverings, books and laptops. You arrange emergency drying and repairs, then replace equipment so classes can restart, while paying extra clean-up costs.

Commercial Property Insurance may respond to repair or replacement costs for insured buildings and contents damaged by an insured event such as burst pipes or water damage. Business Interruption Insurance may also respond to additional costs incurred and income losses arising from the disruption to your operations.

On a school excursion, a child slips while stepping off the bus and injures their knee. The parent alleges supervision was inadequate and seeks compensation for medical costs and related losses.

Public Liability Insurance may respond to third party injury claims arising from your business activities.

A student trips on a loose mat during class and breaks a wrist. Their parent says the hazard should have been fixed, requests reimbursement for medical bills and later makes a formal demand for compensation and related legal costs.

Public Liability insurance is designed to cover third party injury claims and defence costs arising from your business activities.